Payment routing method, computing device and computer readable storage medium
A routing and payment channel technology, applied in the fields of payment routing methods, computing devices and computer-readable storage media, can solve problems such as inability to dynamically adjust, affecting online payment user experience, and untimely payment channel routing.
Active Publication Date: 2020-09-18
南京梦饷网络科技有限公司
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Problems solved by technology
It cannot be adjusted dynamically, and multiple payment channels will meet the routing rules at the same time, which will lead to the problem that the payment channel routing is not timely, especially when facing a large number of concurrent payment requests, it will take too long to make routing decisions, which affects online payment users. to experience
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[0028] Preferred embodiments of the present disclosure will be described in more detail below with reference to the accompanying drawings. Although preferred embodiments of the present disclosure are shown in the drawings, it should be understood that the present disclosure can be embodied in various forms and should not be limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the disclosure to those skilled in the art.
[0029] As used herein, the term "comprise" and its variants mean open inclusion, ie "including but not limited to". The term "or" means "and / or" unless otherwise stated. The term "based on" means "based at least in part on". The terms "one example embodiment" and "one embodiment" mean "at least one example embodiment." The term "another embodiment" means "at least one further embodiment". The terms "first", "second", etc. may refer to di...
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The invention relates to a payment routing method, a computing device and a computer readable storage medium. The method comprises the following steps: receiving a payment request message; selecting acandidate channel from the plurality of payment channels, wherein the candidate channel satisfies a predetermined condition; in response to determining that the number of the candidate channels is greater than or equal to a predetermined threshold, generating feature data of the candidate channels based on the identifiers of the candidate channels and information used for indicating the quality of the candidate channels; selecting reference feature data from the feature data of the candidate channels so as to divide the feature data of the candidate channels into a first feature data set anda second feature data set; recursive search is performed on one of the first feature data set and the second feature data set, so that candidate channels corresponding to feature data of a predetermined sequence can be determined as optimal payment channels; and processing the payment request message through the optimal payment channel. The payment time can be effectively reduced, and the paymentsuccess rate is improved.
Description
technical field [0001] The present disclosure relates generally to online payment technologies, and in particular, to payment routing methods, computing devices, and computer-readable storage media. Background technique [0002] In recent years, with the development of Internet technology, great changes have taken place in payment methods, and online payment methods have gradually become the mainstream of payment methods. [0003] In the current online payment scenario, different merchants may support different payment methods, such as bank channels, third-party channels and other payment methods. Each payment method involves multiple banks, and each bank involves multiple payments. aisle. With the increasing number of merchants, banks, and channels, all parties have put forward higher and higher requirements for the stability, timeliness, and success rate of online payment. [0004] In the payment transaction process, each transaction has different transaction types, limi...
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IPC IPC(8): G06Q20/22G06Q20/42
CPCG06Q20/22G06Q20/42
Inventor 王德龙王敏
Owner 南京梦饷网络科技有限公司